PRS Desk Reference Guide. PRS CREFC Desk Reference Guide
|
|
- Ashley Parsons
- 6 years ago
- Views:
Transcription
1 PRS Desk Reference Guide PRS CREFC Desk Reference Guide Freddie Mac Multifamily Division July 2017
2 2 P a g e PRS CREFC Desk Reference
3 Table of Contents Contents INTRODUCTION... 4 SUBMISSION PROTOCOL... 5 GENERAL GUIDANCE... 6 NOIWS TAB... 7 PROPERTY OVERVIEW... 8 INCOME AND EXPENSE SECTION... 9 CREFC LINE ITEM GUIDANCE OSAR TAB INCOME AND EXPENSE SECTION ASSESSMENT TYPE/ATTACHMENT REQUIREMENTS/ NAMING CONVENTIONS/ DUE DATES SUBMISSION REQUIREMENTS P a g e
4 INTRODUCTION Freddie Mac Multifamily has been working to standardize its servicing requirements to align with and establish industry standards. As part of this effort, Freddie Mac Multifamily has adopted the use of standardized Property Performance Reports per the CREFC Investor Reporting Package ( IRP ) for collecting property operating performance data. Freddie Mac is also requesting our Primary and/or Sub-Servicers to submit these reports through our Property Reporting System ( PRS ) for both loans still on Freddie Mac s balance sheet and for securitized loans in which Freddie Mac is the Master Servicer. Specifically, Freddie Mac is requesting the Analysis Report ( OSAR ) and NOI Adjustment Worksheet ( NOIWS ) for Multifamily and Healthcare property types. Using the existing CREFC IRP OSAR and NOIWS, Freddie Mac has created two template types for Multifamily and Senior Housing properties, named CREFC-MF and CREFC-HC templates respectively. Each template contains both the OSAR and NOIWS forms and will be submitted through the Property Reporting System (PRS). This desk reference highlights the submission protocols, template submission requirements, and guidelines on how to complete the forms to ensure pertinent information on property performance is communicated appropriately. NOTE This desk reference should be used in conjunction with the Introductory Guide to the CRE Finance Council-Investor Reporting Package, which provides guidance, helpful tips, and best practices on CREFC standard forms/reports. If there are any conflicts in protocol between the CREFC introductory Guide and Freddie Mac s Guide requirements, Freddie Mac s Guide requirements take priority. This document is an extension of the Guide. The below listed templates are available for download in PRS as either a blank template or prepopulated template. As these templates contain minor variations from the standard CREFC forms and contain coding necessary for PRS consumption, when submitting via PRS, you must submit a template downloaded directly from PRS. Template Submission Property Type A-CREFC-MF Annual Reporting Multifamily A-CREFC-HC Annual Reporting Healthcare/Senior Housing Q-CREFC-MF Quarterly Reporting Multifamily Q-CREFC-HC Quarterly Reporting Healthcare/Senior Housing 4 P a g e
5 SUBMISSION PROTOCOL Steps Quick Start Guide Comments For successful completion of CREFC templates and submission to PRS, observe the following quick start guide: The forms have to be downloaded from PRS. Once downloaded, users must enable Macros in Excel for the form to work properly. (See instructions for Excel 2007 here: us/help/enable-or-disable-macrosin-office-documents-ha aspx) Retrieve CREFC Form The templates are to be completed and stored on your local machine, file server, or document management system (depending upon local IT policies and procedures). Upon successful completion, the completed forms can be uploaded into the PRS system. Within PRS, you have the option of downloading a blank CREFC or a prepopulated form. When you download a pre-populated form, the system will populate the following data fields, where applicable: Freddie Mac Loan Number Pty ID (system will populate prospectus #) Property Name Property Address Year Built At Contribution information Prior year-end information (if prior year-end has been submitted on a CREFC template) Understanding the Revised CREFC Form Complete the CREFC Form Always enable the macro and Active X controls before using the template. Refer to the General Tips for Using the CREFC OSAR and NOIWS report provided by CREFC Finance Council. The CREFC template is an Excel based workbook that contains two worksheets displaying property level information: The NOIWS reports and explains adjustments made to the Borrower s actual operating statement to normalize or annualize the performance data. The OSAR is a property level report that compares the Borrower s current financial information to the three preceding annual periods and underwriting or At Contribution. In the template, Servicers are required to complete both the NOIWS and OSAR worksheet. Basic property information and the most recent available financial information entered in the NOIWS worksheet will automatically populate into 5 P a g e
6 the OSAR worksheet. Servicers will be required to provide underwriting At Contribution information (FM Underwriting), and historical annual performance information where available. Uploading the CREFC Form Data Validation and Completeness Verification Submitting the CREFC Package The main difference between the Multifamily (CREFC MF) and Healthcare (CREFC HC) templates are the income and expense line items specific to each property type. The CREFC template along with required attachments should be uploaded into PRS for the submission to be considered successful. The system will perform data validation and completeness verification at the time of upload: Forms that do not pass the data validation and completeness verification will not be accepted and will be rejected for submission. Only forms that pass the data validation and completeness verification will be accepted by Freddie Mac. Incomplete forms or forms with incorrect data will be rejected by Freddie Mac and Servicers can view the reasons for rejection and upload failure in PRS at the time of submission. Attachments can be uploaded to the system before, concurrently, or after form submission. Assessments will not move to Complete status until all required attachments have been uploaded. A Complete submission will move to Accepted status by the following business day. GENERAL GUIDANCE The Introductory Guide to the CRE Finance Council -Investor Reporting Package and Chapter 40 of the Seller/Servicer Guide provide comprehensive requirements on property financial performance reporting. Freddie Mac CREFC OSAR/NOIWS GUIDANCE The guidelines listed below are Freddie Mac s expected responses on certain data fields. The list is not all encompassing of all data fields, but focuses on data fields which may need further explanation. TEMPLATE OVERVIEW The CREFC templates mirror the existing CREFC IRP Multifamily and Healthcare OSAR and NOIWS. Freddie Mac made minor format changes, introduced two new fields (Financial Indicator and No. of Months) to clarify reporting periods, and added formulas in calculation fields to facilitate consistency in reporting and minimize errors. The template is locked down except for fields that need to be completed. Required fields are shaded purple and formula fields are shaded grey. Certain conditional required fields are not shaded but will 6 P a g e
7 display validation error messages upon upload if they remain incomplete. Templates will not be accepted until all required fields are completed. Refer to the Validation Requirements Document for the list of required/conditional required fields. Some required fields have suggested formats which must be replaced with real data to avoid upload failures. Certain entries made in the NOIWS tab will automatically populate the OSAR tab to avoid double entry of the same data. As such, it is recommended that the NOIWS tab be completed before the OSAR tab. These include: 1) Property and loan information displayed in the Property Overview section 2) Most Recent Annual or Quarterly Income and Expense data displayed in the Normalized column NOIWS TAB The NOIWS tab is prepared to normalize the Borrower s actual operating statement. The three columns, Borrower Actual, Adjustments and Normalized, report and explain any adjustments made to the Borrower s actual operating statement for normalization. This worksheet shows the difference between the Borrower s actual operating statement and the normalized operating statement. Refer to the Master Coding Matrix in the CREFC IRP for further guidance. There are two sections in the NOIWS tab Property Overview and Income and Expense. 7 P a g e
8 PROPERTY OVERVIEW The property overview section of the worksheet provides brief property and loan information. Data fields from this section will populate the Property Overview section of the OSAR. Data Fields Guidance Freddie Mac Loan Enter the Freddie Mac 9-digit loan number Number Property ID Enter the Prospectus ID, if available. In the event the submission of the CREFC template is for one of multiple properties/buildings securing the same loan, enter Prospectus ID followed by Property ID. If loan is not securitized, leave the field blank. Note A/B/C Enter the Ending Loan Balance for the property Scheduled Loan Balance Include Freddie Mac supplemental loan balances (including Freddie Mac K deal securitized) into Note B & C where applicable. If there are more than three loans, combine the Ending Loan Balances in Note C and report the breakdown of loan balances in the comments section. For loans secured by more than one property, assign a Scheduled Loan Balance to each property based on underwritten pro rata portion Paid Thru Date Enter last payment date Debt Outside Trust Include any other debt outside the trust and provide details in the comments section Current Net Rentable Typically reported as number of units or beds (Healthcare or Student Housing) SF/Units/Pads,Beds Include unit of measurement (e.g., units, beds, etc) Year Built / Year Enter Year Built and Year Renovated (where applicable) Renovated Cap Ex Reserve (annually)/per Unit, etc. Per loan agreement, report the underwritten Replacement Reserve Annual (i.e., 12 month) Amount. Use step up amounts as applicable. Ending Report ending date of Borrower s financial statement Date Highlight off cycle fiscal year ends in the Comments section Occupancy Rate Enter rent roll occupancy (excluding model units) (Physical) Occupancy Date Enter rent roll date 8 P a g e
9 INCOME AND EXPENSE SECTION Data entered in this section will populate either the Preceding Year or the Most Recent Column depending on the option selected from Financial Indicator drop down menu which indicates if Annual or Interim numbers are reported. Data Field Financial Indicator Guidance This is a new data field added by Freddie Mac to the CREFC template to identify the reporting period of the operating information Select from the following options o Annual - To be used for all annual (A-CREFC) submissions Populates the Preceding Yr. Column in the OSAR tab for fiscal year end reporting o Trailing Twelve Months (TTM) } o Year To-Date (YTD) Annualized } Quarterly o Year To-Date (YTD) Normalized } Populates the Most Recent column in the OSAR tab for quarterly reporting No. of Months Covered This is a new data field added by Freddie Mac to the CREFC template to identify how many months are reflected on the operating statement. Borrower Actual Complete the Borrower Actual column of the form per the Borrower s operating statement except for fields that are formula driven and do not require entry (the formula driven fields are shaded grey). Utilize the Master Coding Matrix for guidance on coding Do not include eliminated items in the Borrower Actual column. For example, Interest Income, Financing Fees, Loan Principal or Interest. However, line items that should not be specifically omitted per CREFC guidelines should be included in the Borrower Actual column (e.g., Insurance Proceeds) and then adjusted out accordingly. Adjustment Utilize the adjustment column provided in the Template to normalize or annualize income and expense amounts. For example: o $10,000 of the total $1,000,000 coded as Base Rent was applicable to Prepaid Rent. Enter +$1,000,000 in Base Rent in the Borrower Actual Column and a -$10,000 in the Adjustment Column to denote that this income is removed o $5,000 of the $25,000 Other Income is detailed as Insurance Proceeds. Enter +$25,000 in Other Income in the Borrower Actual Column and a -$5,000 in the adjustment column to denote that this income is removed. Some coding adjustments do not need to be reflected in the Adjustment Column. For example: o $5,000 of the total $9,000 coded as Repairs and Maintenance was related to retiling the pool (extraordinary capital expense). Enter +$4,000 in Repairs and Maintenance line in the Borrower Actual 9 P a g e
10 Column and a +$5,000 in Extraordinary Capital Expenditures line in the Borrower Actual Column o $120,000 of utility expenses included a netted amount of $70,000 in utility reimbursements. Enter +$190,000 in Utilities line item and +$70,000 in Other Income Provide comments on all adjustments made in the comments or notes section Normalized This is a formula driven column that will normalize expense line items per adjustments CREFC LINE ITEM GUIDANCE Data Field (s) Source Guidance Gross Potential Rent Actual amount reported on If Borrower does not report vacancy, enter net rental income on the Base Rent line operating statement Classify loss/gain to lease and short term premiums in Gross Potential Rent (or Base Rent, as applicable) and provide comments Do not net apartment allowance or non-revenue units against GPR. These line items should be Vacancy Base Rent Private Pay/Medicare /Medical aid Nursing/Medical Income Meals Income Actual amount reported on operating statement Actual amount reported on operating statement Actual amount reported on operating statement Actual amount reported on operating statement Actual amount reported on operating statement reported in payroll benefits and G&A respectively Use negative dollar amounts Include concessions in vacancy Include collection losses/bad debt and detail breakdown in comments (Note. This coding of bad debt in vacancy differs from current CREFC requirements) If no vacancy is reported, only enter net rental income in Base Rent o If GPR, Vacancy and Base Rent fields all have data (in any column), the template will not be accepted. Include senior housing rents/fee components Enter amount reported in operating statement Enter amount reported in operating statement 10 P a g e
11 Other Income Actual amount reported on operating statement Other income should be likely to continue, common in the market, legal and related to property operations Include commercial income net of vacancy/collection losses in Other Income and provide details in comments Eliminate delinquent rent outstanding or paid Include reimbursed expenses such as heat, water and sewer, electric, and maintenance and repairs Real Estate Taxes Actual Bill or Escrow disbursement records. County/City/Tow n Tax Office, which can be located through an internet search Use the amount for the calendar year. This is not always the amount disbursed in the calendar year. Prorate the amounts accordingly for YTD Normalized reporting If taxes are abated, enter the actual amount of taxes paid Exclude delinquent taxes and credit from previous years Insurance Annual Policy Premiums or actual reported on operating statement Review the actual amount of insurance premiums paid during the time period covered by the, and enter the amount that covers a full 12-month period. Prorate the amounts accordingly for YTD Normalized reporting If insurance is not escrowed, use the greater of Borrower actual or underwritten Include all property-related insurance premium amounts (for example, fire, boiler, windstorm, earthquake, flood and all relevant liability coverage) Note that seniors housing premiums will generally be higher Utilities Repairs and Maintenance Actual amount reported on operating statement Actual amount as reported on the Show full amount paid for all utilities Do not deduct tenant utility reimbursements - these should be included in Other Income If water and sewer expenses are escrowed, be sure to use the actual amount of expense paid during the time period covered by the Exclude readily identifiable capital expenditures (Cap Ex) and enter on the Extraordinary Capital Expenditures line of the NOIWS 11 P a g e
12 Be careful to exclude personal expenses and nonproperty related expenses, which are often detailed in the R&M section If R&M is excessive in comparison to historical or to comparable that are similar in size, type, and condition of the subject, contact the Borrower to discern if Cap Ex are included. If so, reduce the R&M expense by that amount and place the amount on the Capital Expenditures line in the Borrower Actual Column. Payroll for maintenance employees and labor costs associated with R&M should be classified in Payroll, not in R&M Management Fees Payroll & Benefits Expense and/or Management Agreement Actual amount as reported on the Use the higher of the borrower actual or the Freddie Mac Underwritten Management fee as a % of EGI to determine amount to report. Comment if actual amount reported in is excessive or abnormally low and/or noteworthy Include Asset Management Fees if expenses relate to operating the property Include all sources of property-related salaries including resident management, leasing, administrative, maintenance, and security Determine if any payroll charges are related to Extraordinary Cap Ex and, if so, omit the charges from Payroll Include Apartment Allowance in Payroll & Benefits Professional Fees Actual amount as reported on the Include Legal and Accounting expenses in Professional fees General and Administrative Actual amount as reported on the Enter any lost income from office, and/or down units in this section Include leased furniture, license, permits and corporate unit expenses Room expense housekeeping Meal Expense Actual amount as reported on the Actual amount as reported on the Enter amount reported in operating statement Enter amount reported in operating statement 12 P a g e
13 Other Expenses Ground Rent Actual amount as reported on the Actual amount as reported on the Other Expenses must be directly related to the operation of the property AND expected to recur Include both subordinated and unsubordinated ground rent, provide details in the comments section Capital Expenditure Extraordinary Capital Expenditure Actual per Replacement Reserve Agreement Actual amount as reported on the Normalize all Capital Expenditures to reflect original underwriting replacement reserves amount Prorate Cap Ex to the correct amount if less than 12 months of normalized I&E information is reported Enter Capital Expenditure in the Borrower Actual column. This entire amount will be adjusted out of the Normalized column to reflect a zero per CREFC guidelines Debt Service A/B/C Note Exact Debt Service due per note Include actual amount due from the Borrower for the reporting period. If Servicer does not have a full year of payment history, estimate and report the full year amount and provide methodology in comments. Include K deal debt service in Note A and K deal supplemental debt service in Note B / C, if applicable. Provide details in comments If K deal securitized supplemental loans are funded in the middle of the reporting period without a full year of debt service, report actual debt service paid (i.e., do not annualize debt service) Report the following debt service for nonconventional loans and note in comments methodology used. o o o o Full term IO Enter IO debt service Partial IO in conversion year Enter Part IO, Part Amortizing debt service based on amortization start date Amortizing Enter Amortizing debt service Variable - If a Rate Cap Agreement is in place, funds received and annual expenses associated with the Agreement not already included in the Borrower s 13 P a g e
14 operating statement should be adjusted into Other Income and Other Expenses. However, if expenses are lump sum and paid up front, eliminate from analysis. See CREFC Guidelines for full details For loans secured by more than one property, assign debt service to each property prorated based on original loan amount assigned to each property DSCR (NOI/DS) Calculated fields DSCR (NCF/DS) Comment if DCRs fall below Watch List levels Source of Financial Provide source of financial information reported Data Comments In the sections available, comment on o Normalization and annualization o Begin date for operation statement for annualized numbers o Adjustments o Omitted items outside the Master Coding Matrix o Highlight odd fiscal years o Debt service adjustment / variances / methodologies OSAR TAB The OSAR tab displays a comparison of Borrower s current ( Most Recent/Interim ) financial information with three years annual historical and underwriting pro forma data ( at contribution ). Property Overview Most of the fields in this section will be prepopulated with information from the NOIWS tab. Servicers are required to enter mandatory fields that are not prepopulated. Some fields in this section become required when I&E numbers are reported for a specific year. Refer to the Validation Requirements Document for details. Data Fields End Date Guidance Enter the financial statement end date from the Borrower s operating statement or audited financials for the reporting period in Preceding, 2 nd Preceding and 3 rd Preceding Year when annual operating statement is reported Entries in this field will automatically populate the Ending Date in the Income Section. 14 P a g e
15 This field becomes required if Income and Expenses line items are reported for that specific year. Occupancy Rate Enter rent roll occupancy (excluding model units) (Physical) This field becomes required if Income and Expenses line items are reported for the year. Occupancy Date Enter rent roll date This field becomes required if Income and Expenses line items are reported for the year. INCOME AND EXPENSE SECTION Depending on the option selected for Financial Indicator in the NOIWS tab, either the Preceding Year or Most Recent column will be populated with data from the NOIWS. For Annual submissions, the Annual data should appear in the Preceding Year column. The only time the Most Recent column should be populated is for quarterly submissions. Data Fields Number of Mos. Covered End Date At Contribution Information 3 rd Preceding, 2 nd Preceding and Preceding Guidance Enter the number of reporting months represented by the I&E numbers o Typically, 12 months for the for 3 rd preceding, 2 nd preceding and preceding. If no. of months reported is a number other than 12, please include details in the comments section o Typically 3, 6, 9 for the most recent YTD column This field is prepopulated from the data points in the Property Overview Section Enter underwriting line item details If not already prepopulated, enter Freddie Mac Proforma Information, where provided. Enter the Annual I&E numbers starting with the Preceding Year column as the Fiscal Year information become available. o These Preceding Year I&E numbers must be re-entered into the 2 nd Preceding and 3 rd Preceding respectively as more recent Annual Income and Expense data become available. Prepopulated individual templates will display historically submitted Fiscal Year End numbers if available. The Preceding Year column has hidden formulas to pull data from the NOIWS if Annual numbers are reported. These formulas can be overridden. However, once overridden, the data will no longer pull from the NOIWS The fields listed below become required if annual numbers are reported o Ending Date o Occupancy Rate o Occupancy Date o No. of Months Covered o Effective Gross Income line items as applicable 15 P a g e
16 o o o o Real Estate Taxes Capital Expenditures Debt Service A Note Source of data *Tip: if an calculation error e.g. #VALUE is displayed, one or more required fields within the column must be completed Most Recent / Interim Column Information is populated from the NOIWS if TTM, Year to Data Annualized or Year to Date Normalized is selected from the Financial Indicator drop down menu in the NOIWS Income and Follow guidelines from the NOIWS tab Expense line items Comments Refer to CREFC IRP Guidelines for details. Some guidelines for comments are highlighted below In the sections available, comment on o Variance relating to property level performance fluctuations in excess of the thresholds highlighted below. No variance commentary is required on a quarterly basis unless the loan is on the Watch List Variances of greater than 20% (higher or lower) between the current full year and prior full year for the following: Effective Gross Income Total Expenses Total Capital Items DSCR o Variances from underwriting exceeds the above thresholds for the first 3 years of reporting or while underwriting is still relevant. statement analysis and comments should be included o Comments may address the following: Define the problem/issue and explain the situation Identify source of information (property manager, Borrower, Primary Servicer) Identify root causes for fluctuations income or expenses that exceed thresholds mentioned above Normalization comments for revenue and expense items Include Market data if relevant and available noting concerns or improvements and property performance relative to competition Provide property manager s/borrower s plan to improve cashflow if the property is on the Watch List or not performing as well as expected based on the original underwriting, if still relevant Describe overall risk trends, describing noteworthy changes in risk 16 P a g e
17 Updates on payment history, or debt service adjustments, property performance or significant financial changes Address any meaningful changes to property management Include any legal concerns (existing and new) Include any risk mitigants e.g, crosscollateralized/defaulted, LOCs (expiration dates), escrows, guarantees ASSESSMENT TYPE/ATTACHMENT REQUIREMENTS/ NAMING CONVENTIONS/ DUE DATES Assessment Type Annual - Multifamily Submissions Naming Convention Due Dates A-CREFC-MF 1. xxxxxxxxx_acrefcmf_mmddyy_syyyy 5/31 includes: 2. xxxxxxxxx_fs_mmddyy 1. Form 3. xxxxxxxxx_rr_mmddyy xxxxxxxxx_other_mmddyy_syyyy 1 3. Rent roll 1 4. Other Annual - Healthcare A-CREFC-HC includes: 1. Form Rent roll 1 4. Other 1. xxxxxxxxx_acrefchc_mmddyy_syyyy 2. xxxxxxxxx_fs_mmddyy 3. xxxxxxxxx_rr_mmddyy 4. xxxxxxxxx_other_mmddyy_syyyy 5/31 Quarterly - Multifamily Q-CREFC-MF includes: 1. Form Rent roll 1 4. Other 1. xxxxxxxx_qcrefcmf_mmddyy_syyyyqn 2. xxxxxxxxx_fs_mmddyy 3. xxxxxxxxx_rr_mmddyy 4. xxxxxxxxx_other_mmddyy_syyyyqn 5/31 (1Q) 2 8/31 (2Q) 11/30 (3Q) Quarterly Q-CREFC-HC includes: 1. xxxxxxxx_qcrefchc_mmddyy_syyyyqn 2. xxxxxxxxx_fs_mmddyy 5/31 (1Q)* 17 P a g e
18 - Healthcare 1. Form Rent roll 1 4. Other 3. xxxxxxxxx_rr_mmddyy 4. xxxxxxxxx_other_mmddyy_syyyyqn 8/31 (2Q) 11/30 (3Q) 1 Rent Rolls and s are in a separate queue from financial assessments 2 1Q submission required if loan is on the Watchlist or a special product and required per the Guide *For resubmissions, change date to new due date (if due date was changed in PRS) in naming convention of CREFC templates. For returns/resubmissions completed after the July 2017 PRS release, the additional attachments such as financial statement and rent roll are not required to be re uploaded, unless there was an error in the attachments in the original submission. SUBMISSION REQUIREMENTS Quarterly Requirements (Note: SBL loans only require quarterly reporting if the loan is on the Watchlist or Risk Rated 7-10) o 1 st quarter is not required unless the loan is on the Watch List, or is a special product and requires 1Q reporting per the Guide o Reporting should include at least 3 months of operating performance data. If less than 3 months is available (e.g. due to an assumption), reporting is not required o Income and Expense numbers should be normalized. Annualize numbers only if at least 6 months of data is available Annual/ fiscal year end reporting o Income and Expense numbers should be normalized and annualized if less than 6 months of data is available o For annualized data, financial statement begin and end date from Borrower s operating statement should be included in the Comments section Additional reporting is required on: Bonds: The Freddie Mac Bond Supplement is required for all bonds Unstabilized Loans: For unstabilized loans you are required to complete the Unstabilized Comments Form Cooperative Properties: The Cooperatives Assessment Schedule is required to be completed for all Cooperative properties 18 P a g e
19 A-CREFC Addendums File Naming Conventions: Q-CREFC Addendums File Naming Conventions: RESOURCES CREFC/MBA Methodology for Analyzing and Reporting Property Income s (page 72 of CREFC Investor Reporting Package version 8.0 Master Coding matrix Freddie Mac s Guide on Completing & Submitting the PRS CREFC Assessment 19 P a g e
SBL from Funding to Securitization
SBL from Funding to Securitization Lori Umberger Nash Hensley Audrey Kestner Freddie Mac 1 SBL Loan Compliance Freddie Mac 2 Reporting Per Guide Chapter 40, Freddie Mac requires Servicers to perform periodic
More informationUNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C FORM ABS-15G
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM ABS-15G ASSET-BACKED SECURITIZER REPORT PURSUANT TO SECTION 15G OF THE SECURITIES EXCHANGE ACT OF 1934 Check the appropriate
More informationUNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C FORM ABS-15G
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM ABS-15G ASSET-BACKED SECURITIZER REPORT PURSUANT TO SECTION 15G OF THE SECURITIES EXCHANGE ACT OF 1934 Check the appropriate
More informationCRE Finance Council INVESTOR REPORTING PACKAGE
CRE Finance Council INVESTOR REPORTING PACKAGE CREFC IRP Version 7.1 Effective 6/30/2015 2015 CRE Finance Council 1 2015 CRE Finance Council IRP Version 7.1 TABLE OF CONTENTS I. Overview of the CREFC Investor
More informationCREFC Investor Reporting Package Version 7.0 Released July 1, 2013 Effective October 1, 2013
CREFC Investor Reporting Package Version 7.0 Released July 1, 2013 Effective October 1, 2013 Who We Are We are the trade association for the commercial real estate finance industry globally. CREFC Operates
More informationSmall Balance Loans Fast, Flexible and Cost-Effective
Small Balance Loans Fast, Flexible and Cost-Effective As a leader in multifamily financing, we re changing the way small apartment loans are done by giving you more choices, better terms and a faster,
More informationUNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C FORM ABS-15G
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM ABS-15G ASSET-BACKED SECURITIZER REPORT PURSUANT TO SECTION 15G OF THE SECURITIES EXCHANGE ACT OF 1934 Check the appropriate
More informationCRE Finance Council INVESTOR REPORTING PACKAGE
CRE Finance Council INVESTOR REPORTING PACKAGE CREFC IRP Version 8.0 Effective 9/30/2016 2016 CRE Finance Council 1 2017 CRE Finance Council IRP Version 8.0 TABLE OF CONTENTS I. Overview of the CREFC Investor
More informationMultifamily Securities Investor Access Desk Reference Manual
Multifamily Securities Investor Access Manual February 2013 Contents 1 Application Overview... 3 2 Minimum Browser Requirements... 3 3 Contacting Investor Access Tool Administrator... 3 4 Accessing and
More informationCRE Finance Council INVESTOR REPORTING PACKAGE
CRE Finance Council INVESTOR REPORTING PACKAGE CREFC IRP Version 8.07.1 Effective 6/30/2015Effective 9/30/2016 2015 CRE Finance Council R:\COMMITTEES\IRP 1 Committee\IRP Materials\8.0 Materials\IRP 8.0
More informationCREFC INVESTOR REPORTING PACKAGE
CREFC INVESTOR REPORTING PACKAGE Version 5.0 2007 Commercial Real Estate Finance Council CRE Finance Council Investor Reporting Package TABLE OF CONTENTS I. Overview of the CRE Finance Council Investor
More informationPortfolio Strengthening Application FY15-2 Instructions
Portfolio Strengthening Application FY15-2 Instructions Purpose: This resource opportunity is intended to strategically leverage NeighborWorks America resources in alliance with other resources to achieve
More informationFloat-to-Fixed Rate Loan (Two-Plus-Seven) More Cash Up Front, When You Need It
Float-to-Fixed Rate Loan (Two-Plus-Seven) More Cash Up Front, When You Need It We call the float-to-fixed rate loan a two-plus-seven because payments during the first two years of the loan are floating-rate
More informationRequesting Post-Fund Data Corrections
To submit post-fund data corrections to Freddie Mac, use the Post-Fund Data Correction Request (DCR) tool (henceforth referred to simply as DCR.). Because the DCR is subject to periodic updates, Freddie
More informationNCHMA Spring Meeting 1.5 Exploring Fannie Mae & Freddie Mac Executions & Underwriting
NCHMA Spring Meeting 1.5 Exploring Fannie Mae & Freddie Mac Executions & Underwriting April 19, 2016 2011 Fannie Mae. Trademarks of Fannie Mae. 2016 Fannie Mae. Trademarks of Fannie Mae. 1 Fannie Mae is
More informationOUS Job Aid: Difference between LST 1.5 and LST 2.1 (ver.oct 2013)
About this Job Aid: This job aid uses a brief description and screen shot to identify information in the LST 2.1 (ver.oct2013) and not in the LST 1.5 Overview Layout Same Name with the same data requirements
More informationLoan Compliance Monitoring & Reporting
Loan Compliance Monitoring & Reporting Christine Halberstadt Cathy Baker Laurie Kadavy Jose Chicas Freddie Mac 1 Discussion Points Loan Compliance Team Responsibilities Loan Compliance Monitoring and Reporting
More informationCRE Finance Council INVESTOR REPORTING PACKAGE
CRE Finance Council INVESTOR REPORTING PACKAGE Version 5.1 2010 CRE Finance Council TABLE OF CONTENTS I. Overview of the CREFC Investor Reporting Package... 3 II. Change Matrix for Version 5.1... 16 III.
More informationFreddie Mac Multifamily Securitization Small Balance Loan (FRESB) as of June 30, 2016
Freddie Mac Multifamily Securitization Small Balance Loan (FRESB) as of June 30, 2016 Table of Contents Freddie Mac Multifamily Business Key Facts 2016 YTD Multifamily Review Small Balance Loan (SBL) Business
More informationMultifamily Securitization Small Balance Loan Program (SB-Deals) As of September 30, 2017
Multifamily Securitization Small Balance Loan Program (SB-Deals) As of September 30, 2017 Table of Contents Freddie Mac Multifamily SB-Deals Business Introduction... Freddie Mac Multifamily Small Balance
More informationCash Flow User Guide SAM Method
Cash Flow User Guide SAM Method Table of Contents Page 1 of 29 Introduction... 3 Objectives... 3 General Features... 4 Default Two Year Average... 4 Repeatable Groups... 4 X Exclude from Calculation...
More informationDUS Disclose Attribute Glossary
Attribute Glossary The attributes defined below can be found in the Advanced Search Download MBS Results and the Daily and Monthly Files. The attributes are arranged by Security, Loan, Property and Credit
More informationCREFC Standardized Annex A - December 2010 Primary Securitized Debt. = Proposed Added Fields to Common, Pre 2010 Annex A's
General Loan Information Mortgage Asset Number Footnotes Mortgage Loan Seller Related Group Sponsor Name Loan Purpose Acquisition / Refinance Cross Collateralized (Y/N) Yes / No Loan Type Fixed Floating
More informationFISCAL POLICY MANUAL SUMMER 2018
FISCAL POLICY MANUAL SUMMER 2018 Children s Services Council of St. Lucie County 546 NW University Boulevard, Suite 201 Port St. Lucie, Florida 34986 772.408.1100 (PHONE) 772.408.1111 (FAX) Web site: www.cscslc.org
More informationUCAA Expansion Application Insurer User Guide December 2017
UCAA Expansion Application Insurer User Guide December 2017 2017 National Association of Insurance Commissioners All rights reserved. Revised Edition National Association of Insurance Commissioners NAIC
More informationHomePath Online Offers Guide for Public Entity and Non-Profit Buyers
HomePath Online Offers Guide for Public Entity and Non-Profit Buyers 2017 Fannie Mae. Trademarks of Fannie Mae. July 2017 1 Table of Contents Introduction... 3 HomePath Online Offers User Support... 3
More informationUnderstanding Servicing Released Bifurcation Results in Loan Coverage Advisor
Understanding Servicing Released Bifurcation Results in Loan Coverage Using Loan Coverage to Report on Loans with R&W Bifurcation This job aid provides information about using Loan Coverage s search function
More informationNexsure Training Manual - Accounting. Chapter 16
Nexsure Training Manual - Accounting Month-End Review In This Chapter Overview Analyzing Month-End Financial Reports Month-End Accounting & Management Reports Month-End Balancing Month-End Corrections
More informationTAP Sales Marine user guide
AGENT MATERIAL Hanover Marine TAP Sales Marine user guide Table of contents Helpful tips for new users... 3 4 Access TAP Sales marine...5 Search existing accounts...6 Create a new account....7 Generate
More informationFinancial Analysis. Table of Contents. Financial Analysis Summary Base Rent
Financial Analysis Table of Contents TAB Schedule SUM BR RENT ROLL BS DD RI PRI OI PT&TB U I GA PF RM AP PR&STAFF Financial Analysis Summary Base Rent Rent Roll Analysis Bank Statement Analysis Deposit
More informationPaper Power Note Investing. Module 4 Suspect? or PROSPECT?
Paper Power Note Investing Module 4 Suspect? or PROSPECT? Today s Topic How to Find GOOD Deals (not the junk that is splattered all over the Net) How to Gather Specific Information (and Decipher What it
More informationCommercial Real. Estate. CMBS Conduit. Loan. Program. Retail Medical Office Industrial Warehouse Hotel Apartment Mixed-Use Self-Storage
Commercial Real Estate CMBS Conduit Loan Program Retail Medical Office Industrial Warehouse Hotel Apartment Mixed-Use Self-Storage City Capital Realty Shawn Rabban 310-714-5616 shawnrabban@yahoo.com CAL
More informationProcessing FHA TOTAL Mortgages
Introduction This reference contains information to help you process Federal Housing Administration (FHA) mortgages using Freddie Mac Loan Product Advisor SM, including information on data entry requirements,
More informationUser Manual UPDATED 1/2016
User Manual UPDATED 1/2016 WWW.KARDIN.COM Information in this document is subject to change without notice. Companies, names, and data used in examples herein are fictitious unless otherwise noted. No
More informationAdvanced Search Download Results Attribute List and Data Type for Multifamily MBS
Advanced Search Download Results Attribute List and Data Type for Multifamily MBS MBS disclosure information on DUS Disclose will be searchable and available for download for any registered user. The downloaded
More informationSmall Balance Loans. Fast, Flexible and Cost-Effective
Small Balance Loans Fast, Flexible and Cost-Effective As a leader in multifamily financing, we re changing the way small apartment loans are done by giving you more choices, better terms and a faster,
More informationMultifamily Securities Locator Service Glossary
Multifamily Securities Locator Service Glossary Term 30/360 Actual/360 Additional Disclosure Additional Liens Adjustable Rate Term Affordable Housing Type Method of computing interest on a mortgage loan
More informationFreddie Mac Multifamily Customer Compliance Management Multifamily Eligibility System February 2017
Freddie Mac Multifamily Customer Compliance Management Multifamily Eligibility System February 2017 Table of Contents Table of Contents... 1 Introduction... 2 1.0 Annual Certification Form 16M Population...
More informationWHOLESALE ABC CAPITAL CORP
WHOLESALE MULTIFAMILY & MIXED-USE LOANS "FREDDIE MAC" ADVANTAGEOUS TERMS LOW "INTEREST ONLY" PAYMENTS CASH-OUT & RATE REDUCTION REFI & PURCHASE: $1,000,000. - $5,000,000. ABC CAPITAL CORP MULTIFAMILY &
More informationHighlights and Suggestions for completing the Fiscal Year 2015 Budget work papers
Highlights and Suggestions for completing the Fiscal Year 2015 Budget work papers 1. There are two sections to the work papers: a. The Church section All tabs in this section begin with C. b. The School
More informationHazard Loss Reporting Update. November 2017
Hazard Loss Reporting Update November 2017 Agenda Change Highlights Guide Form 1140 Process Flow Charts PRS Naming Conventions Hazard Loss Enhancement _November 2017 Freddie Mac 2 Change Highlights Extending
More informationBest Practices for Best Efforts Commitments
This job aid provides information on the following topics related to Best Efforts execution of a contract: Modify Best Effort Import... 1 Quick Loan Data... 4 Best Practices... 5 Exhibit 19 Calculator...
More informationTEMPORARY SELLING REQUIREMENTS FOR PROPERTIES IMPACTED BY THE CALIFORNIA WILDFIRES
TO: Freddie Mac Sellers December 6, 2018 2018-25 SUBJECT: TEMPORARY SELLING REQUIREMENTS RELATED TO CALIFORNIA WILDFIRES AND UPDATES TO ELIGIBILITY FOR PROPERTIES IMPACTED BY HURRICANE IRMA Freddie Mac
More informationSection 1 Pricing Policies and Procedures
Section 1 Pricing Policies and Procedures For quicker navigation, click on Bookmarks Tab on the top left of the PDF. Pricing Policies and Procedures Loans with borrower FICO Scores below 680 will not be
More informationHB3-3560, Chapter 7 Overview. CHAPTER 7: TRANSFER OF OWNERSHIP 7 CFR Industry Interface Call April 19, 2017
HB3-3560, Chapter 7 Overview CHAPTER 7: TRANSFER OF OWNERSHIP 7 CFR 3560.406 Industry Interface Call April 19, 2017 1 Goal Streamline process to support the Transfer Improvement Project, update policies
More informationRunning a Budget Position Report for a Department. Running a Budget Position Report
Running a Budget Position Report for a Department This Addy Note explains how to run a Budget Position report for a department from within UCF Financials. It discusses how to: Run a Budget Position report
More informationReporting a Notification, Loan Set-Up or Termination for a Short Sale or Deed-in-Lieu *
Reporting a Notification, Loan Set-Up or Termination for a Short Sale or Deed-in-Lieu * Description & Purpose Contents As a condition to receiving the incentive payments offered through the Home Affordable
More informationBUDGET PREPARATION & MAINTENANCE SYSTEM EXPERIENCED USER MANUAL FY 2019 WORKING BUDGET
BUDGET PREPARATION & MAINTENANCE SYSTEM EXPERIENCED USER MANUAL FY 2019 WORKING BUDGET Office of the Vice President Administration & Finance UNIVERSITY OF MARYLAND OFFICE OF THE VICE PRESIDENT-ADMINSTRATION
More informationBPA II, LTD. (A FLORIDA LIMITED PARTNERSHIP) FINANCIAL STATEMENTS AND INDEPENDENT AUDITOR S REPORT YEARS ENDED DECEMBER 31, 2015 AND 2014
FINANCIAL STATEMENTS AND INDEPENDENT AUDITOR S REPORT TABLE OF CONTENTS Page Independent Auditor s Report 1-2 Financial Statements Balance sheets 3-4 Statements of Operations 5 Statements of Changes in
More informationHomePath Online Offers Guide for Selling Agents
HomePath Online Offers Guide for Selling Agents 2012 Fannie Mae. Trademarks of Fannie Mae FM 0912 1 Table of Contents Introduction...3 Online Offers User Support...3 Your Account...4 Registering on HomePath.com...4
More informationMaster User Manual. Last Updated: August, Released concurrently with CDM v.1.0
Master User Manual Last Updated: August, 2010 Released concurrently with CDM v.1.0 All information in this manual referring to individuals or organizations (names, addresses, company names, telephone numbers,
More informationArkansas State University Banner Finance Self-Service
Arkansas State University Banner Finance Self-Service Contents Self Service Menu... 2 Approving Documents... 3 Viewing Documents... 5 Budget Transfers... 7 Multiple-Line Budget Transfers... 9 Budget Queries...
More informationThe School District/Joint Agreement Budget Instructions (For New Users)
The School District/Joint Agreement Budget Instructions (For New Users) (Fiscal Year 2019) Illinois State Board of Education School Business Services Division 100 North First Street Springfield, IL 62777-0001
More informationInstructions for Completing the Budgeted Required Local Effort and Budgeted Required Local Match Template for Mandatory Standards of Quality Programs and Optional School Facilities and Lottery Programs
More informationXYZ APARTMENTS BALANCE SHEET. December 31, 2008 ASSETS
BALANCE SHEET December 31, 2008 ASSETS Current Assets 1120 Cash Operations $ 1130 Tenant accounts receivable 1200 Prepaid expenses 1100T Total current assets Funded Deposits Held in Trust 1191 Tenant deposits
More informationBudgetPak User Guide FY1718
BudgetPak User Guide FY1718 Contents Overview... 2 About Your FY1718 Budget... 2 Logging In to BudgetPak... 3 Reviewing Current and Historical Budget and Actual Information... 4 Creating Your FY1718 Budget...
More informationBEx Analyzer (Business Explorer Analyzer)
BEx Analyzer (Business Explorer Analyzer) Purpose These instructions describe how to use the BEx Analyzer, which is utilized during budget development by account managers, deans, directors, vice presidents,
More informationPledging & Underwriting Guidelines (Commercial Real Estate and Multifamily Loan Collateral)
Pledging & Underwriting Guidelines (Commercial Real Estate and Multifamily Loan Collateral) I. Collateral Eligibility: The Federal Home Loan Bank of Boston s ( the Bank ) Products and Solutions Guide defines
More informationPark Village Balance Sheet Managed by Ambling Management Company As of April 30, 2018
Balance Sheet CURRENT ASSETS ASSETS CASH Cash - Replacement Reserve Funds 25,000 Restricted Cash 8,956 Petty Cash 200 Cash - Operating 1,896 Cash-Security Deposit 13,213 TOTAL CASH 49,265 OTHER CURRENT
More informationmore information Upload a contribution file
Upload a contribution file more information About the Microsoft Excel contribution process Upload a contribution file is an online process that allows you to submit Microsoft Excel (Excel) contribution
More informationThird Party Transaction Services. December 2017
December 2017 Table of Contents Overview of... 0 Overview of... 2 Process Flow... 2 Adding and Accessing Loans in Loan Selling Advisor... 2 Originator Pipeline... 3 Evaluate Loans... 4 View Evaluation
More informationUSDA HB REVISIONS Effective March 9, 2016 Chapter 5: Origination and Underwriting Review
Chapter 5: Origination and Underwriting Review 5.2 Requesting a Guarantee A. Preliminary Determination of Applicant Eligibility 2. Credit 5.3 Utilizing the Guaranteed Underwriting System (GUS) E. Reserves
More informationCommonwealth of Pennsylvania Office of Developmental Programs Year 3 Cost Report for the Consolidated and P/FDS Waiver Programs
July/August 2010 Commonwealth of Pennsylvania Office of Developmental Programs Year 3 Cost Report for the Consolidated and P/FDS Waiver Programs Provider Training Session Advanced (Level 2) Agenda Introductions
More informationUNIVERSITY PLACE SOUTHEAST, L.P. TN FINANCIAL STATEMENTS DECEMBER 31, 2011
FINANCIAL STATEMENTS DECEMBER 31, 2011 Contents Page Independent Auditors Report... 1-2 Balance Sheet... 3-4 Statement Of Operations... 5 Statement Of Partners Equity... 6 Statement Of Cash Flows... 7
More informationChapter 41 Transfers of Ownership
Chapter 41 Transfers of Ownership 41.1 Transfers of Ownership in the Property or in the Borrower (04/29/16) As used in this Chapter 41, the term transferee refers to The new Borrower if the proposed transaction
More informationApartment Financing in Today s Rising Interest Rate Environment
Apartment Financing in Today s Rising Interest Rate Environment Transaction Summary Date: June 2018 Property Description: A 42-unit, 1980s built apartment in average condition. Property located in middle
More informationRunning a Budget Position Report
Running a Budget Position Report This Addy Note explains how to run a Budget Position Report for a department or a project from within UCF Financials. It discusses how to: Run a Budget Position Report
More informationFinance Session (Understanding a Pro Forma)
RCI, PAL and Army Housing Training Finance Session (Understanding a Pro Forma) Donna Wilhoit Privatization and Partnerships Division Office of the Assistant Chief of Staff for Installation Management Francis
More informationProcessing VA Mortgages
Introduction The Department of Veterans Affairs (VA) Freddie Mac allows Loan Product Advisor automated underwriting service to assess VA loan applications. The Department of Veterans Affairs then guarantees
More informationD. Annual Operating Budget
D. Annual Operating Budget The Annual Operating Budget is a financial projection of the operations for the upcoming fiscal year. It reflects the best judgment of the owner and management agent concerning
More informationHome Equity Reverse Mortgage Information Technology (HERMIT) HERMIT System Changes Release 5.4
Home Equity Reverse Mortgage Information Technology (HERMIT) HERMIT System Changes Release 5.4 Release Date: 09/19/17 Document Date: 09/07/17 September 2017 Version 1.0 INTRODUCTION HERMIT SYSTEM CHANGES
More informationVHFA Loan Origination Center
User Guide 1 How to Access 3 Where to access (1) www.vhfa.org Home Page > (2) Business Partners > (3) Loan Origination Center 1 2 3 4 Access & Log In 5 First time access (1) Enter Lender ID, Username and
More informationFINANCIAL MANAGEMENT AND GOVERNANCE AFFORDABLE HOUSING TRAINING
FINANCIAL MANAGEMENT AND GOVERNANCE AFFORDABLE HOUSING TRAINING Day 4 Training Project-Based Budget Development and Analysis TABLE OF CONTENTS 01 Module 1: Financial Concepts 9 02 Module 2: Project-Based
More informationHome Possible and Home Possible Advantage
Home Possible and Home Possible Advantage 1 Freddie Mac Home Possible and Home Possible Advantage mortgages (collectively referred to as Home Possible mortgages) are Freddie Mac s Affordable Mortgage products.
More informationGENERAL LEDGER TABLE OF CONTENTS
GENERAL LEDGER TABLE OF CONTENTS L.A.W.S. Documentation Manual General Ledger GENERAL LEDGER 298 General Ledger Menu 298 Overview Of The General Ledger Account Number Structure 299 Profit Center Processing
More informationCompleting the Financial Form. Revenues and Expenses Tab
Completing the Financial Form Revenues and Expenses Tab Line Category Explanation 1 Annual ACS allotment funds provided from national ACS for the operation of the section, allocated from members national
More informationreal estate finance II Class : HOMEWORK 4 & MIDTERM REVIEWS
real estate finance II Class : HOMEWORK 4 & MIDTERM REVIEWS HW3 HOMEWORK 3: Open the attached file and combine with your HW2 Operating Proforma (suggest on a separate tab in your excel file). Calculate:
More informationProperty Summary SITE DESCRIPTION & SALES HISTORY
Property Summary SITE DESCRIPTION & SALES HISTORY Site Information Sale History Last 10 Years Property Type Multifamily Most Recent Sale in Last 10 yrs 2/5/2006 Street Address 123 Main Street Sale Price
More informationAutomobile Financial Information Annual P&C Return and Unallocated Loss Adjustment Expense (FI-ULAE)
Automobile Financial Information Annual P&C Return and Unallocated Loss Adjustment Expense (FI-ULAE) Reporting and Submission Requirements General Insurance Statistical Agency/Agence statistique d'assurance
More informationMiddlebury s Planning
and Budgeting Cloud Services (PBCS): Middlebury s Planning Last update: 1/19/2016, Version 4 Table of Contents Introduction to Planning:... 3 Middlebury's Planning: Logging-In.. 5 Planning Administration:..7
More informationAvoidable Cost Rate Template Version 14 Instructions
Avoidable Cost Rate Template Version 14 Instructions RPM/ACR Data Submission Monitoring Analytics The Independent Market Monitor for PJM September 2017 Monitoring Analytics 2017 www.monitoringanalytics.com
More informationCredit Fee in Yield Add-On
Introduction Credit Fee in Yield Add-On Pricing is the adjustment of the credit fee in yield for certain mortgages in a pool by adding an amount in basis points (bps) to the credit fee in yield for the
More informationForm 996E Tips and Best Practices
Overview Warehouse Lenders provide Sellers with interim financing in exchange for a security interest in, or beneficial ownership of, mortgages that are subsequently offered for sale to Freddie Mac. The
More informationPortfolio Metrics Impact on the Owner
Portfolio Metrics Impact on the Owner Harold Nassau Director of Asset Management NeighborWorks America CHAM TOTAL OPERATING REVENUE TOTAL OPERATING EXPENSES NET OPERATING INCOME/(LOSS) CASH FLOW TO/FROM
More informationCorrespondent Lending Client Job Aid
Correspondent Lending Client Job Aid 2 Table of Contents Purpose... 3 Procedures... 3 1. Login... 3 2. Automated Importing of Loan Data... 4 3. Manually Input Loan... 6 4. Product Selection, Submitting
More informationIndustry User Guide for the Financial Assessment Subsystem FASS-FHA. Appendix A
Financial Assessment Subsystem FASS-FHA APPENDIX A Appendix A Definition for an Audited AFS in accordance with Handbook IG 2000.04 for a Profit Motivated/Limited Distribution Entity that is other than
More informationInstallation & User Manual
Installation & User Manual Version: SPS Plus 5.0.0 Installation Procedure: Run the setup batch file from the CD and follow the Wizard to complete the setup. Install will create an Application shortcut
More informationNDS Payroll GUI W-2 Reporting Runbook
NDS Payroll GUI W-2 Reporting Runbook This page is left blank intentionally. i Table Of Contents Table Of Contents W-2 REPORTING PROCEDURE...1 W2 EMPLOYER MASTER MAINTENANCE...3 W2 BOX TABLES MAINTENANCE...6
More informationTable of Contents. I. Purpose of the Technical Assistance Manual... 3 II. Funding By Reimbursement... 3 III. Form Details... 3
Children s Services Council of St. Lucie County Technical Assistance Guide Summer 2018 1 Table of Contents I. Purpose of the Technical Assistance Manual... 3 II. Funding By Reimbursement... 3 III. Form
More informationReal Estate Finance 101: The Basics Wednesday, October 17 th, :15 a.m. - 10:30 a.m. Presented by: Jay Rollins JCR Capital
Real Estate Finance 101: The Basics Wednesday, October 17 th, 2012 9:15 a.m. - 10:30 a.m. Presented by: Jay Rollins JCR Capital www.jcrcapital.com 1. Commercial real estate can be a huge wealth creator
More informationValley Vista Care Corporation Vista Community Housing Corporation
Campus Valley Vista Care Corporation Vista Community Housing Corporation Location Number of Skilled Nursing Beds Number of Behavorial Care Beds Number of Assisted Living Units/Apartments St Maries Campus
More informationUsing Loan Product Advisor SM Merged Credit Report Options
Using Loan Product Advisor SM Merged Credit Report Options Loan Product Advisor will obtain infile credit reports unless you request a merged credit report (with or without a Reference Number). This document
More informationHow to Prepare a Supportive Housing Operating Pro Forma
How to Prepare a Supportive Housing Operating Pro Forma The Operating Pro Forma is the tool used to estimate the expenses of a project during operations. It provides a summary of anticipated ongoing project
More informationQuick Guide. Workplace Pensions (Automatic Enrolment)
Quick Guide Workplace Pensions (Automatic Enrolment) Abstract This guide provides a brief overview of what Workplace Pensions are, how to provide them to your employees, and what updates you must make
More informationPark Trace-TN Balance Sheet Managed by Ambling Management Company As of April 30, 2018
Balance Sheet CURRENT ASSETS ASSETS CASH Cash Reserve - Capital Repairs 4,800 Restricted Cash 14,907 Petty Cash - Legal Fund 700 Petty Cash 400 Cash - Operating 518 Cash-Security Deposit 17,954 TOTAL CASH
More informationAHC Limited Partnership - 18
Financial Statements For The Years Ended December 31, 2012 And 2011 Table Of Contents For The Years Ended December 31, 2012 And 2011 Independent Auditors Report... 1-2 Financial Statements Balance Sheets...
More informationFor Lenders. Accessing LOS: LOS is a web based program that can be accessed at the following URL address: https://los.chfa.org/los
Accessing LOS: LOS is a web based program that can be accessed at the following URL address: https://los.chfa.org/los A User ID and Password will be assigned to all users by the designated account administrator
More informationAdvance Search Download Results Attribute List and Data Type
Advance Search Download Results Attribute List and Data Type The disclosure information on DUS Disclose will be searchable and available for download for any registered user. The downloaded search results
More informationVHFA INSTRUCTIONS TO THE OPERATING BUDGET PROJECTION (Rev. 8/13)
VHFA INSTRUCTIONS TO THE OPERATING BUDGET PROJECTION (Rev. 8/13) Please read these instructions in their entirety before starting to prepare your budget. The VHFA Operating Budget Projection Form 805 (Rev.
More informationUnderstanding Custodial Accounts. User Guide. March 2016
User Guide March 2016 Notice The information in this manual is intended to provide general guidance to Freddie Mac Servicers. The information is offered as an aid in, not a substitute for, complying with
More information